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| Albuquerque | | If you decide to cancel your policy | | Malicious Mischief: Similar to |
| Harlingen | | (after acquiring new coverage) | | vandalism. Purposely damaging the |
| South Bend | | outside of the 30-day period, you may | | rights or property of another. |
| Dallas | | have to pay a fee or penalty. | | |
| Bellevue | | However, you may still save money | | Depreciation: A decrease in the value |
| Greensboro | | after paying the fee if your new policy | | of any type of tangible property over |
| Southfield | | affords you significant savings. So | | a period of time resulting from use, |
| Berkeley | | while it is best to wait until your | | wear and tear, or obsolescence. |
| Sioux Falls | | receive your renewal notice, you CAN | | |
| Palm Desert | | cancel your policy at any time. | | Producer: A term applied to an agent, |
| Lakeland | | | | solicitor or other person who sells |
| Newport Beach | | The best time to switch policies is | | insurance. |
| Albany | | within one month of receiving your | | |
| Allentown | | policy renewal from your current | | Preferred Risk: Any risk considered |
| Newark | | insurer. You can typically cancel your | | to be better than the standard risk on |
| Jackson | | policy without any fees or penalties if | | which the premium rate was |
| Naperville | | you act within this time period. | | calculated. |
